A crazy year is coming to a close, and we’re looking to channel holiday spirit in any way we can, despite not being able to gather with friends and family. Emmy-nominated host and culture expert on Netflix’s hit series ‘Queer Eye,’ Karamo, is here to help us find nuggets of cheer and optimism this year, even when we’re stuck in our bubbles at home. The pair talk about giving back this year, the best gifts we can give, and how to take care of ourselves during stressful times. In Mailbag, we talk about that 15% figure for retirement contributions, the dangers of being over-insured, and home renovations for an Airbnb. In Thrive, our top financial New Year’s Resolutions.   Learn more about your ad choices. Visit megaphone.fm/adchoices